Exhibit 13b – Narrative Summary Last Updated: 5/15/2020

Proprietary

EXHIBIT 13b: NARRATIVE SUMMARY

Company Name: Aetna Life NAIC Code: 60054 SERFF Tracking #: AETN-132363851 Market Segment: Small Group

Aetna is filing revisions to premium rates for Small Group policies that will be sold in New York during

2021. The rates in this filing will apply to small group policies that are renewed or sold at policy

anniversary beginning on January 1, 2021. These rate changes will impact approximately 9,500

policyholders and 16,500 members.

The requested rate changes for Aetna's Small Group plans are directly related to two main drivers: the

overall rising cost of health care services in New York, and an adjustment to reflect changes in the type

and quantity of medical services used by our members which results in increased claim expenses.

Trends were based on a review of small group data over the period January 2019 – December 2019. The

table below reflects our cost trends:

Utilization Trend

5.1%

Unit Cost Trend

5.5%

Other Trend

0.9%

Total Trend

11.9%

Utilization represents the number of services per member per year across all medical expense

categories. Unit Cost represents the dollar amount per service. Increases in Unit Cost reflect changes in

our contracted rates and prescription drug costs as well as the price escalation due to usage of more

intensive services or expensive technologies. Hospital unit cost is projected to increase at 6.6%,

physician unit cost is projected to increase at 2.0%, and pharmacy unit cost is projected to increase at

9.9%.

Other Trend represents deductible leveraging. Deductible leveraging occurs when the rate of change in

deductibles is less than the rate of change in total medical costs. This results in the rate of change in

insurer plan cost exceeding the rate of change in total medical costs. The deductible leveraging adds

0.9% to our total trend.

New York state law requires that at least 82% of premium must be used to pay medical member costs.

The remaining 18% is used for administrative expenses, profit, and taxes. Administrative costs include

(but are not limited to) customer service, processing and paying claims, medical management programs,

maintaining our provider networks, and complying with State and Federal regulations.

Exhibit 13b – Narrative Summary Last Updated: 5/15/2020

Proprietary

Aetna takes our commitment to our customers seriously. We have taken a number of steps to try to

keep our products as affordable as possible, such as:

• Developing innovative new relationships withhealth care providers that compensate them for the quality of care they provide, and not the quantity.

• Creatingmedicalmanagement programswhichaddress potential health issues for members earlier, improving health outcomes and reducing the need for high-cost health care services.

We are also dedicated to increasing transparency within the health care system, as well as helping our

members best utilize the plans that they have. Members can access Aetna Navigator, our secure

member website, which allows members to research their specific plan benefits, health care providers in

a given area, and in some locations, the cost of certainhealth care services. !dditionally, !etna’s Plan for Your Health website aims to educate all consumers—not just Aetna members—on how to take

advantage of their health care benefits.

This narrative (exhibit 13) will be posted on Aetna.com, which is open to the public.

http://www.aetna.com/individuals-families-health-insurance/member-guidelines/stateprocess.html

Aetna complies with applicabl e Federa l civi l right s law s and doe s not unlawfully discrimina te, exclude or treat people differently based on the ir rac e, color , nationa l origi n, s ex, a ge, or disabil ity. We provide free aids/services to peopl e with disabiliti es and to peopl e who need langua ge assistance.

If you need a qualified interpreter, written information in other formats, translation or other services, call the number on your ID card.

If you believe we have failed to provide these services or otherwise discriminated based on a protected class noted above, you can also file a grievance with the Civil Rights Coordinator by conta cting: Civil Rights Coor dinator, P.O. Box 14462, Lexingt on, KY 40512 (CA HMO customers: PO Box 24030 Fresno, CA 93779), 1-800 -648-7817, TTY: 711, Fax: 859-425-3379 (CA HMO customers: 860-262-7705), CRCoordinator@aetna.com.

You ca n a lso fi le a civi l rights com plaint with the U .S. Department of Health and Human Servi ces , Of fice f or Civil Right s Complaint Portal, available at https://ocrporta l.hhs.gov/ ocr/ portal/ lobby. jsf, or at: U. S. Departm ent of Heal th a nd Hum an S ervices, 200 Inde pendence Avenue SW ., Room 509F, HHH Building, Washington, DC 20201, or at 1-800-368-1019, 800-537-7697 (TDD).

Exhibit 13b – Narrative Summary Last Updated: 3/20/2020

Proprietary

TTY:711

English To access language services at no cost to you, call the number on your ID card.

Albanian Për shërbime përkthimi falas për ju, telefononi në numrin që gjendet në kartën tuaj të identitetit.

Amharic የ ቋን ቋ አ ገ ልግሎቶችን ያ ለ ክፍያ ለ ማግኘት፣ በ መታወቂያ ዎት ላይ ያ ለ ውን ቁጥር ይደውሉ፡ ፡Arabic

Armenian Ձեր նախընտրած լեզվով ավվճար խորհրդատվություն ստանալու համարզանգահարեք ձեր բժշկական ապահովագրության քարտի վրա նշվածհէրախոսահամարով

Bantu-Kirundi Kugira uronke serivisi z'indimi ata kiguzi, hamagara inomero iri ku karangamuntu kawe

Bengali

Burmese

Catalan

Cebuano Aron maakses ang mga serbisyo sa lengguwahe nga wala kay bayran, tawagi ang numero nga anaa sa imong kard sa ID.

Chamorro Para un hago' i setbision lengguåhi ni dibåtde para hågu, ågang i numiru gi iyo-mu kard aidentifikasion.

Cherokee ᏩᎩᏍᏗ ᎦᏬᏂᎯᏍᏗ ᎢᏅᎾᏓᏛᏁᏗ Ꮭ ᎪᎱᏍᏗ ᏗᏣᎬᏩᎳᏁᏗ ᏱᎩ, ᏫᎨᎯᏏᎳᏛᏏ ᎾᏍᎩ ᏗᏎᏍᏗᏥᏕᎪᏪᎵ ᎤᎾᎢ ID ᏆᏂᏲᏍᏗ ᏣᏤᎵᎢ.

Chinese Traditional 如欲使用免費語言服務，請撥打您健康保險卡上所列的電話號碼

Choctaw Anumpa tosholi i toksvli ya peh pilla ho ish i payahinla kvt chi holisso kallo iskitini holhtena takanli ma i payah

Chuukese Ren omw kopwe angei aninisin eman chon awewei (ese kamé), kopwe kééri ewe nampa mei mak won noum ena katen ID

Cushitic-Oromo Tajaajiiloota afaanii gatii bilisaa ati argaachuuf,lakkoofsa fuula waraaqaa eenyummaa (ID) kee irraa jiruun bilbili.

Dutch Voor gratis taaldiensten, bel het nummer op uw ziekteverzekeringskaart.

French Pour accéder gratuitement aux services linguistiques, veuillez composer le numéro indiqué sur votre carte d'assurance santé.

French Creole (Haitian)

Pou ou jwenn sèvis gratis nan lang ou, rele nimewo telefòn ki sou kat idantifikasyon asirans sante ou.

German Um auf den für Sie kostenlosen Sprachservice auf Deutsch zuzugreifen, rufen Sie die Nummer auf Ihrer ID-Karte an.

Greek

Gujarati

Hawaiian

Hindi

Hmong Yuav kom tau kev pab txhais lus tsis muaj nqi them rau koj, hu tus naj npawb ntawm koj daim npav ID.

Igbo

Ilocano Tapno maakses dagiti serbisio ti pagsasao nga awanan ti bayadna, awagan ti numero nga adda ayan ti ID kardmo.

Indonesian Untuk mengakses layanan bahasa tanpa dikenakan biaya, silakan hubungi nomor telepon di kartu asuransi Anda.

Italian Per accedere ai servizi linguistici senza alcun costo per lei, chiami il numero sulla tessera identificativa.

Japanese 無料の言語サービスは、 IDカードにある番号にお電話ください。

Karen

Korean 무료다국어서비스를이용하려면보험 ID 카드에수록된번호로전화해

주십시오.

Kru-Bassa I nyuu kosna mahola ni language services ngui nsaa wogui wo, sebel i nsinga i ye ntilga i kat yong matibla

Kurdish

Lao

Marathi

Marshallese

Micronesian-Ponapean

Pwehn alehdi sawas en lokaia kan ni sohte pweipwei, koahlih nempe nan amhw doaropwe en ID.

Mon-Khmer, Cambodian

Navajo

Nepali

Nilotic-Dinka

Norwegian For tilgang til kostnadsfri språktjenester, ring nummeret på ID-kortet ditt.

Pennsylvanian-Dutch Um Schprooch Services zu griege mitaus Koscht, ruff die Nummer uff dei ID Kaart.

Persian Farsi

Polish

Portuguese Para aceder aos serviços linguísticos gratuitamente, ligue para o número indicadono seu cartão de identificação.

Punjabi

Romanian

Russian Для того чтобы бесплатно получить помощь переводчика, позвоните по телефону, приведенному на вашей идентификационной карте.

Samoan Mō ƀį ƆēuēŮƇē o 'au'aunaga tau gagana e aunoa ma se totogi, vala'au le numera i luga o lau pepa ID.

Serbo-Croatian

Spanish Para acceder a los servicios lingüísticos sin costo alguno, llame al número que figura en su tarjeta de identificación.

Sudanic Fulfulde

Swahili Kupata huduma za lugha bila malipo kwako, piga nambari iliyo kwenye kadi yako ya kitambulisho.

Syriac-Assyrian

Tagalog Upang ma-access ang mga serbisyo sa wika nang walang bayad, tawagan ang numero sa iyong ID card.

Telugu

Thai

Tongan

Turkish

Ukrainian Щоб безкоштовнź отримати мовні послуги, задзвоніть за номером, вказаним на вашій ідентифікайній картці.

Urdu

Vietnamese

Yiddish .קארטל ID אייער שפראך סערוויסעס פריי פון אפצאל, רופט דעם נומער אויף צו באקומעןYoruba